Eva (Shirley MacLaine), a widow and retired history teacher, enjoys a quiet life. Everything changes when she receives a life insurance check accidentally made out for $5,000,000 instead of the expected $50,000. At the not-so-gentle urging her best friend Maddie (Jessica Lange), Eva deposits the money and the two friends head to the Canary Islands with every intention of living it up. But their fantasy is short-lived when they discover that they have become media sensations overnight. Fugitives from justice, the two are forced to outwit a trio of conmen, led by the local Wine "warlord", Carlos (Santiago Segura), outmaneuver a dogged life insurance agent Vespucci (Howard Hesseman) who has teamed up with Eva's daughter, Crystal (Demi Moore), and outrun the law. What they don't expect is to be good at it.
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